A big fat YAY! And all apologies to Equifax...

Okay, I've been hard on Equifax for some time because of problems I've had getting my credit report wtih them straightened out. Turns out that was premature.

Despite the array of issues I had on their report, a couple carefully worded letters and documentation to back it up has proven very fruitful.

Today, all the incorrect information (and I mean all of it, I cannot find a single flaw on there now) has been corrected or removed. My score jumped 58 points. I think the biggest difference was the correction of an account that I paid off early last year and was still showing with a status of 120 days late. With that fixed, I now have a clean payment history for over 15 straight months with no lates instead of a recent late showing.

Contrast that with TransUnion, who (despite evidence verifying my claims) has told me my request to fix one account was frivolous (exactly three days prior to the OC actually contacting me to admit their mistake and state they would fix it), and has been painfully slow on responding to my other concerns. The net is, TU was once my highest, is now my lowest, and EQ was once my lowest and is now by far my highest:

TU - 614

EX - 628

EQ - 648

...that's up from 587, 580, and 570 respectively in just three months! Big happy day for me.

Now...I've really been trying to get the scores up to 620 so I can get out from under what is just an absolutely terrible mortgage company.

The Midscore appears to be 628...is now a good time to push the refi button, or should I wait?

Anyway...my apologies for any disparaging remarks to Equifax. They made me prove my claims, perhaps, but they actually DID fix them. Now, on to TU.......

Re: A big fat YAY! And all apologies to Equifax...

My scores are TU 553, EQ 649 and EX 682. I just refied and got a mortgage at 6.8%. So the answer to your question is: NO! Don't wait. I had the same concerns. But apparently they go by your midFICO so one trashed score won't hurt you.

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FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation.
Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies.
Many factors affect your FICO Scores and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.
FTC's website on credit.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.